Head of Digital Cash Management & Payments Platform

Vanguard; Charlotte (NC); Hybrid; USD 180,000 - 280,000; Full time

Job summary

Vanguard is seeking a senior product leader to own the strategy, roadmap, and execution for cash management, money movement, and funding across the Wealth and Advice areas. You will shape experiences addressing funding friction, visibility, and client engagement while aligning with regulatory and risk requirements.

The role requires deep expertise in U.S. payments, digital banking delivery, and modern payment ecosystems.

Qualifications

• Deep experience building and managing cash management, payments, or money movement digital products within a financial institution or fintech.
• Experience designing and optimizing consumer banking and cash management journeys and customer experience, focused on payments, savings, liquidity, and digital banking.
• Strong understanding of U.S. payment rails and processing, including ACH, wire transfers, debit card transactions, and check processing.
• Demonstrated knowledge of payment operations, settlement, reconciliation, exceptions management, and the transaction lifecycle across payment types.
• Familiarity with banking regulations, risk management, fraud prevention, AML/KYC, OFAC screening, and payment compliance as they relate to money movement products.
• Experience partnering with operations, technology, risk, compliance, and servicing teams to deliver secure, scalable, and compliant payment capabilities.
• Proven ability to define product strategy and roadmap for high-volume, mission-critical payment platforms while balancing customer experience, operational efficiency, and regulatory requirements.
• Strong understanding of banking APIs, payment integrations, ISO 20022, and modern payment ecosystems, including third-party payment providers and fintech partnerships.
• Demonstrated success leading cross-functional product delivery in Agile environments, translating complex requirements into customer-centric solutions.

Responsibilities

• Own cash and money movement product strategy and roadmap across Wealth and Advice.
• Design differentiated experiences that reduce funding friction, improve cash visibility, and deepen engagement.
• Define requirements across ACH, wires, checks, debit and card transactions, transfers, and account funding.
• Modernize high-volume money movement capabilities, including ACH, wires, checks, debit and card transactions, transfers, reconciliation, exceptions, and lifecycle management.
• Strengthen API integrations, payment orchestration, ISO 20022 readiness, and platform resiliency.
• Drive execution from discovery through launch, adoption, and enhancement.
• Embed fraud prevention, AML/KYC, OFAC, and operational controls into roadmap and launch readiness.
• Translate complex banking and payment requirements into clear strategy, delivery plans, and executive decisions.
• Use market trends and analytics to prioritize build, buy, or partner options with banks, fintechs, and payment providers.
• Build and lead talent with deep payments expertise and product management discipline.
• Coordinate with the Cash Management strategy AWS team and PW Tech.
• Measure success through client and advisor experience, adoption and engagement of cash, savings, and money movement capabilities, transaction reliability, operational efficiency, and risk and control health.

Skills

Cash management

Payments

Money movement

Digital products

Customer journeys

Banking APIs

Agile delivery

Tools

APIs

ISO 20022

Job description

Vanguard is seeking a senior product leader to own the strategy, roadmap, and execution for cash management, money movement, and funding across the Wealth and Advice areas. You will shape experiences addressing funding friction, visibility, and client engagement while aligning with regulatory and risk requirements.

The role requires deep expertise in U.S. payments, digital banking delivery, and modern payment ecosystems.